Introduction
As of August 22, 2025, homeowners looking to access the equity in their homes have some promising options from credit unions nationwide. Whether you’re planning a home renovation, funding education, or consolidating debt, tapping into your home’s value can be a smart financial move. The standout deal today is Royal Credit Union’s HELOC offering an impressively low starting rate of just 3.00%, making it one of the most affordable ways to borrow flexibly against your home. For those preferring a fixed-rate loan, options like Indiana Members Credit Union and Gesa offer competitive rates starting around 6.75% to 6.87%. Rates have remained steady over the past month for most programs, giving borrowers confidence in stable borrowing costs right now. If you value flexibility and low initial rates, a HELOC might be the best fit; if you want predictable payments, consider fixed-rate home equity loans available at several credit unions with solid terms.
Home Equity Loans
Credit Union
Product
2025-08-22
(Current Day)
(Current Day)
2025-08-15
(7 Days Ago)
(7 Days Ago)
2025-08-07
(15 Days Ago)
(15 Days Ago)
2025-07-23
(30 Days Ago)
(30 Days Ago)
2025-07-08
(45 Days Ago)
(45 Days Ago)
2025-06-23
(60 Days Ago)
(60 Days Ago)
2025-05-24
(90 Days Ago)
(90 Days Ago)
Royal
Heloc
3.000 - 7.500
3.000 - 7.500
3.000 - 7.500
3.000 - 7.500
6.750 - 7.500▲ 375 bps
6.750 - 7.500▲ 375 bps
Indiana Members
Heloc
3.900 - 7.500
3.900 - 7.500
3.900 - 7.500
3.900 - 8.000
Indiana Members
Home Equity
6.875 - 8.625
6.875 - 7.000
7.000 - 8.625▲ 12.5 bps
Gesa
Heloc
3.950 - 18.000
3.950 - 18.000
3.950 - 18.000
3.950 - 18.000
3.950 - 18.000
3.950 - 18.000
Gesa
Home Equity
6.750 - 13.750
6.750 - 13.750
6.880 - 13.880▲ 13 bps
6.880 - 13.880▲ 13 bps
6.880 - 13.880▲ 13 bps
6.880 - 13.880▲ 13 bps
Dupaco Community
Heloc
3.990 - 7.000
3.990 - 7.000
3.990 - 7.000
3.990 - 21.000
Dupaco Community
Home Equity
6.990 - 7.490
6.990 - 7.490
6.990 - 7.490
6.990 - 7.490
Broadview
Heloc
3.990 - 14.900
3.990 - 14.900
3.990 - 14.900
3.990 - 7.000
3.990 - 14.900
3.990 - 14.900
Americu
Heloc
3.990 - 15.000
3.990 - 11.000
3.990 - 11.000
3.990 - 11.000
California
Heloc
4.000 - 12.000
4.000 - 12.000
4.000 - 12.000
4.000 - 12.000
5.990 - 10.000▲ 199 bps
Allegacy
Heloc
4.000 - 18.000
4.740 - 18.000▲ 74 bps
4.000 - 18.000
4.000 - 18.000
Space Coast
Heloc
4.240 - 7.750
4.240 - 7.750
4.240 - 7.750
4.240 - 7.750
4.240 - 7.750
4.240 - 7.750
4.240 - 7.750
Space Coast
Home Equity
6.490
6.490 - 7.740
6.490 - 7.740
6.490 - 7.740
6.490 - 7.740
6.490 - 7.740
6.490 - 7.740
Mountain America
Heloc
4.490 - 8.000
8.000▲ 351 bps
8.000▲ 351 bps
8.000▲ 351 bps
8.000▲ 351 bps
8.250▲ 376 bps
8.250▲ 376 bps
Mountain America
Home Equity
7.240 - 8.240
7.240 - 8.240
7.240 - 8.240
7.240 - 8.240
7.240 - 8.240
7.240 - 8.240
7.240 - 8.240
Royal
As of August 22, 2025, Royal’s HELOC rates remain steady at 3.000% - 7.500%, showing no change over the past 30 days. This stability provides predictability for homeowners seeking flexible borrowing options. HELOCs are ideal for those needing ongoing access to funds with variable rates, suitable for home improvements or emergencies. While no new fixed-rate home equity loans are listed currently, the consistent HELOC pricing offers accessible terms for community members prioritizing adaptable credit solutions. Homeowners should consider how a HELOC’s flexibility aligns with their financial goals in today’s market.
Indiana Members
As of August 22, 2025, Indiana Members HELOC rates remain steady at 3.900% - 7.500%, unchanged over the past 30 days. Meanwhile, Home Equity Loan rates show a slight widening spread, with today's range at 6.875% - 8.625%, up from 6.875% - 7.000% a week ago and 7.000% - 8.625% fifteen days ago. For homeowners seeking predictable payments, the fixed-rate Home Equity Loan offers stability despite recent rate shifts. Conversely, the HELOC provides flexible borrowing options with consistent rates, ideal for those needing ongoing access to funds.
Gesa
As of August 22, 2025, Gesa’s HELOC rates remain steady at 3.950% to 18.000%, unchanged over the past 30 days, offering consistent flexible borrowing options. Meanwhile, Home Equity Loan rates have slightly decreased from 6.880% - 13.880% (30 days ago) to 6.750% - 13.750% today, highlighting modest savings for fixed-rate borrowers. The home equity loan’s lower starting rate of 6.750% presents an attractive choice for those seeking predictable long-term payments, while the HELOC maintains appeal for homeowners needing flexible access to funds without rate changes this month.
Dupaco Community
As of August 22, 2025, Dupaco Community’s HELOC rates remain steady at 3.990% to 7.000% over the past 30 days, offering consistent flexible borrowing options. Meanwhile, Home Equity Loan rates hold firm between 6.990% and 7.490%, providing predictable fixed-rate solutions for homeowners seeking long-term stability. Notably, the HELOC’s wide rate range supports varied credit profiles, while the fixed Home Equity Loan is attractive for those prioritizing payment certainty. HELOCs may appeal to homeowners needing flexible access to funds, whereas fixed-rate loans suit borrowers aiming to lock in current rates amidst market fluctuations.
Broadview
As of August 22, 2025, Broadview’s HELOC rates remain steady at 3.990% to 14.900%, unchanged over the past 30 days except for the previous upper APR cap of 7.000%. This wide range reflects varying borrower qualifications and credit limits. HELOCs offer flexible borrowing options ideal for homeowners seeking revolving credit with competitive starting rates. Those considering home improvements or debt consolidation may find value in these stable and accessible terms. Monitoring rate trends can help homeowners decide when to tap into equity or explore fixed-rate alternatives if available.
Americu
As of August 22, 2025, Americu’s HELOC rates remain steady with a range of 3.990% to 15.000% APR, unchanged over the past 30 days except for an increase in the upper APR limit from 11.000% to 15.000%. This wider range reflects varying borrower risk profiles or credit tiers. HELOCs offer flexible borrowing options ideal for homeowners needing ongoing access to equity with variable rates. While no fixed-rate home equity loans are listed, Americu’s stable HELOC pricing supports short-term financing needs with competitive starting rates. Homeowners should consider their repayment horizon when choosing between fixed loans and HELOC products.
California
As of August 22, 2025, California Credit Union’s HELOC rates remain steady at 4.000% - 12.000% over the past 30 days. This stable range offers flexible borrowing with variable rates suited for homeowners seeking ongoing access to funds. While no rate changes occurred recently, the broad APR spectrum accommodates diverse credit profiles and loan needs. For those valuing flexibility over fixed terms, a HELOC provides convenient home equity access without locking into long-term commitments. Homeowners should consider their financial goals when choosing between variable-rate HELOCs and fixed-rate loans available elsewhere.
Allegacy
As of August 22, 2025, Allegacy’s HELOC rates range from 4.000% to 18.000%, showing a notable drop from 4.740% seven days ago and matching rates from 15 days prior. This recent decrease highlights a more attractive borrowing cost for flexible home equity access. Homeowners seeking adaptable financing may find these HELOC rates advantageous for managing expenses or home improvements without fixed monthly payments. Staying informed on rate trends can help members optimize their borrowing strategy with Allegacy’s community-focused lending solutions.
Space Coast
As of August 22, 2025, Space Coast's HELOC rates remain steady at 4.240% - 7.750% over the past 30 days, offering consistent flexible borrowing options. Meanwhile, the Home Equity Loan rate holds firm at 6.490%, down from a previous range up to 7.740%, making it an attractive fixed-rate choice for homeowners seeking predictable payments. For those needing ongoing access to funds, HELOCs provide versatility with stable rates, while fixed-rate Home Equity Loans offer long-term security. Monitoring these rates can help Space Coast members decide the best fit for their home financing needs.
Mountain America
As of August 22, 2025, Mountain America’s HELOC rates remain steady, holding at a range of 4.490% to 8.000% over the past 30 days. Meanwhile, Home Equity Loan rates are stable between 7.240% and 8.240% with no recent changes. Homeowners seeking flexible borrowing may find the HELOC’s variable rates attractive, especially with a low starting point near 4.490%. For those preferring predictability, the fixed-rate Home Equity Loans offer consistent terms without fluctuations. Evaluating your financial needs can help determine whether a flexible line of credit or a fixed loan best suits your home equity borrowing goals.
LendMesh
Need access to funds without selling your home? A home equity loan or HELOC could be the answer. With LendMesh, you get transparent comparisons and support every step of the way. Explore now: https://www.lendmesh.com/loans/home_equity_loans .
Conclusion
If you’re ready to tap into your home equity, start by comparing both HELOCs and fixed-rate loans to find what suits your financial goals and comfort level. Remember that HELOCs offer variable rates and flexible draws—great for ongoing projects or fluctuating expenses—while fixed-rate loans provide stability ideal for set budgets like education or debt payoff. Keep an eye on credit union offers like Royal’s consistent 3.00% HELOC rate if you want the lowest cost of borrowing today. However, if rates or personal circumstances change, it’s wise to pause and monitor trends monthly before committing. Finally, ensure your credit union understands your long-term plan so they can help tailor the best product for your unique needs. Taking measured steps now could save you money and stress down the road as you unlock your home’s potential with confidence.